JP2857777B2 - Automatic teller machine - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to an automatic cash transaction using a transaction medium, and more particularly to an automatic cash transaction system and an apparatus for inputting transaction contents by a touch panel system.

[Conventional technology]

In the conventional cash automatic transaction system,
As proposed in the first publication, the operation guidance of the user is provided by voice guidance, but the operation for the visually impaired is not considered. And JP-A-61-893
As described in the official gazette, although the visually impaired can input the transaction details using the operation key of the handset, it is necessary to provide a handset and there is not enough consideration for the third party's sampling spinning regarding the output of the transaction content. Was.

[Problems to be solved by the invention]

In the conventional cash automatic transaction method, the operation guidance of the customer is provided by voice guidance, but the specification of the transaction content,
The input of a password and the input of a transaction amount are all key operations. In recent automatic teller machines, with the diversification of transaction contents, it is necessary to provide rich guidance contents, and therefore, an operation guidance and transaction input method using a touch panel is often used. However, the method of inputting transaction details for visually impaired persons is not considered, and there is a problem that it is difficult to use for visually impaired persons.

An object of the present invention is to provide an automatic cash transaction system and a device which can be easily operated by visually impaired persons.

[Means for solving the problem]

In order to achieve the above object, the automatic cash transaction system according to the present invention is an automatic cash transaction system in which transactions are performed using a transaction medium to which transaction information is returned. The input of the content is performed by touching the guidance panel a predetermined number of times in accordance with a number or a symbol.

Also, in an automatic cash transaction system in which transactions are performed using a transaction medium on which transaction information is recorded, when the presence of visual impairment is recognized by the transaction medium, the transaction content is input on the guidance panel according to a number or symbol in a predetermined shape. A configuration performed by drawing may be used.

Further, in a cash automatic transaction system in which transactions are performed using a transaction medium on which transaction information is recorded, when the presence of visual impairment is confirmed by the transaction medium, a predetermined operation is performed on the guidance panel based on the voice guidance when the transaction content is output. In addition, the configuration may be such that after the touch on the receiving port is confirmed, the receiving port is opened and output is performed.

In the automatic teller machine for conducting transactions using a transaction medium on which transaction information is recorded, a pattern recognition means for confirming at least one of the number of touches, characters, symbols, and figures made on the guidance panel to input transaction details is provided. The configuration is provided.

[Action]

According to the present invention, by providing voice guidance or the like in the automatic cash transaction method, when reading a transaction medium in which transaction information is described, if it is confirmed that the person is not visually impaired, a normal transaction is performed. . If it is confirmed that the person is visually impaired, the panel guidance is switched to voice guidance, and the contents of the guidance are also for the visually impaired. Based on the voice guidance, the user inputs / outputs transaction contents, ie, designation of transaction type, input of a reef number, transaction amount, and the like, using a predetermined touch panel method.

〔Example〕

One embodiment of the present invention will be described with reference to FIGS.

FIG. 2 shows an automatic teller machine 1 of the present invention.
Passbook entrance 2, card entrance 3, Braille 4 indicating the position of the passbook entrance, Braille 5 indicating the position of the card entrance, cash deposit / withdrawal port 6, guidance panel 7, Braille 8 indicating operation guidance of the automatic teller machine 1, Earphone jack 9, speaker
10 is shown.

The central processing unit 11 is installed within the financial period, transaction information of the customer is stored in the data storage device 12, and is connected to the automatic teller machine 1 by the communication line 13. In addition, a main control unit 14 for controlling the automatic teller machine 1, a card processing unit 15 for reading and recording of transaction information, reading and recording of transaction information, a passbook processing for reading and recording of transaction information, reading and recording of transaction information, and the like. Unit 16, a journal processing unit 17 for recording transaction results in a journal or outputting to a user as necessary, a panel guidance unit 18 for outputting guidance required for the guidance panel 7, an audio required for the earphone jack 9 or the speaker 10. A voice guidance unit 19 for outputting guidance, a touch sensor unit 20 for recognizing a position or the number of touches when a user touches the guidance panel 7, a cash processing unit 21 handled by the automatic teller machine 1, a cash automatic unit A clerk operation unit 22 is provided for the clerk to operate the transaction apparatus 1.

Fig. 3 shows the bankbook 23 emitted by a financial institution, etc.
FIG. 4 shows the cash card 25. Each has magnetic stripes 24 and 26 in which transaction information is recorded, and the transaction information includes a bank number 27, a deposit account number 28, a deposit balance 29,
A code 30 indicating whether or not the person is visually impaired, a password 31 and the like are recorded.

Next, the cash automatic transaction system of the present invention will be described with reference to the flow of FIG. First, when a card or a bankbook (transaction medium) is accepted, a magnetic stripe (transaction information)
24 or 26 is read. It is determined whether or not the customer is visually impaired, and if the user is not visually impaired, the transaction is performed in a usual known manner. In the case of a visually impaired person, the operation guidance on the guidance panel 7 is switched to voice guidance, and the user uses the earphone jack (voice guidance) 9, the handheld or provided earphone, or the speaker (voice guidance) 10 for the following voice. The operation can be performed based on the guidance example.

Voice guidance content 32 "Touch the screen once when paying out. Please touch the screen twice when depositing. Please touch the screen three times for balance inquiry. ], The user can specify (input) the transaction content by touching the screen, that is, the guidance panel 7 a predetermined number of times or drawing the shape by hand in accordance with the number or symbol.

When paying out by touching the screen once after the voice guidance 32, voice guidance 33 "Please touch the screen according to the reef number. , The user inputs a personal identification number by a method described later. Then, for example,
To pay out 35,000 yen, voice guidance 34 "Touch the screen according to the amount of 10,000 yen. Is input, that is, the screen is touched three times. Next, voice guidance 35 "Please touch the screen according to the amount of 1,000 yen. Is input, that is, the screen is touched five times. Next, voice guidance 36 "Is 35,000 yen OK? If you like, touch the screen once.
If you want to start over, please touch twice. ] Is entered based on whether it is OK. In the case of OK, post-processing such as post-processing of the card or passbook, return thereof, payment of cash, etc. is performed, and the transaction is completed.

If you want to make a deposit by touching the screen twice after the voice guidance 32, voice guidance "Please put money in the deposit slot. ], Cash is input into the deposit port, and the cash processing unit 21 performs counting. The counting result is, for example, 62,000
If it was 1,000 yen, voice guidance 37 "Is 62,000 yen sufficient? If you like, touch the screen once.
Please touch twice in case of return. ] Is entered based on whether it is OK. If OK, post processing of card or passbook,
Post-processing such as return is performed to end the transaction.

After voice guidance 32, if you want to check the balance by touching the screen three times, voice guidance "Balance is tens of thousands of yen. ], Post-process the guide or passbook, return them, release the journal, etc., and end the transaction.

Regarding the return of cards or passbooks, payment of cash, etc. (output of transaction details), in order to spin out these withdrawals by a third party, for example, voice guidance “If you touch the screen once, the top Will open, please pick up your cash. And so on, the customer touches the dispensing port (receipt port) with his hand and touches the screen once after preparing to receive cash, so that the receiving port is opened and the cash (output You can receive.

FIG. 5 shows how to touch the guidance panel 7 once. t represents the touching time, and in the case of a single touch, there is no particular requirement for t.

FIG. 6 shows how to touch when the guidance panel 7 is touched twice. Here, t represents a touching time, and u represents an interval between touches. u, that is, if the interval is long, the touch sensor
Since there is a possibility that 20 is erroneously recognized as a single touch, it is preferable to add a limit such as u ≦ 2 seconds.

FIG. 7 shows how to touch the guidance panel 7 three times. By setting the restriction on u in the same manner as in FIG. 6, the possibility of erroneous recognition is eliminated.

FIG. 8 shows an example of inputting a number such as a password. For example, if the password is 1234, the guidance panel 7 may be touched as shown in FIG. Here, t represents a touching time, u represents an interval between touches, and s represents an interval between passwords. By setting t, that is, the number of touches to be the same as the password, no confusion is caused. Here, the restriction on u may be the same as in the case of FIG. There is no particular limitation on s other than s> u, but in order to prevent troubles, it is preferable to provide a limitation such as u ≦ 2 seconds <2 ≦ 30 seconds.

Note that in the description of two or more, t, u, and s are operated by the user, and therefore, t, u, and s are not necessarily constant values in the case of touch and touch. Therefore, the touch sensor unit 20 is required to have a function of recognizing whether or not the touch has been performed, the number of times of the touch, the interval, and the like anywhere on the touch panel 7.

Here, when inputting 0, for example, as shown in FIG. 9, it can be input by touching the guidance panel 10 times. 10 and 11 show an embodiment in which a large number is input. FIG. 10 shows a case where 11 is input, and FIG. 11 shows a case where 32 is input. Here, T, t is the time of touching the guidance panel, for example, 2 seconds ≦ T ≦ 5 seconds,
For example, t <2 seconds, T represents the tens place, and t represents the ones place. Here, the restriction on u may be the same as in FIG.

FIG. 12 shows a flow in the case of inputting a personal identification number or the like, in which, for example, a beep or an operation sound is issued by voice guidance every time a personal identification is input to indicate a separation between the personal identification code and the personal identification code, This has the effect of preventing erroneous input for the user.

FIG. 13 shows another means for inputting a password or the like. For example, when the security code is 2416, the voice guidance "Please touch the screen according to the security code. ], Touch the screen immediately after issuing "0 1 2", touch the screen immediately after issuing "0 1 2 3 4", and then touch the screen immediately after issuing "01". Then, touch the screen immediately after issuing “0 1 2 3 4 5 6”, and the
Can be entered.

FIG. 14 shows other means for inputting a password, a symbol, and the like. For example, when inputting the amount of 100,000 yen, the user inputs by drawing “10” on the screen with the finger of the customer. This method is possible by providing the touch sensor unit 20 with a known pattern recognition unit. In the case of this method, the voice guidance 32 in FIG. 1 is changed to "Please enter the number of 1 for payment, 2 for deposit, and 3 for balance inquiry by hand. Etc., and the user can perform the following transactions by drawing necessary characters on the screen. In this case, voice guidance 33-37
Is 33 “Please enter your PIN by one finger on the screen one character at a time. ], 34 "Please enter the amount of 10,000 yen on the screen. ], 35 "Please enter the amount of 1,000 yen on the screen. 』, 36
"Do you need tens of thousands of yen? If you like, please write a circle on the screen. 37 “Is tens of thousands of yen acceptable? Please put a circle on the screen if it is good, and fill it if you return it. And so on. In the case of canceling the input contents or the like in the middle of the transaction shown in FIG. 1, if a cross is entered, the contents can be canceled.

Although the transaction method using a transaction medium such as a card or a passbook has been described above, the same applies to a transaction using an optical card, an IC card, or the like.

In addition, as an automatic cash transaction apparatus for the visually impaired, an apparatus using not only a touch panel system but also a Braille key is already used. As an automatic cash transaction system, it is a matter of course that the operability may be improved by using the conventional touch panel system in combination with the conventional Braille and keys.

In addition, it goes without saying that the present invention can also be applied to a dispensing machine or the like instead of the automatic teller machine 1.

When it is necessary to change the time limit for t, s, u, T, etc. in FIGS. 5 to 11 or the method of inputting transaction contents for each customer, whether the person is visually impaired as shown in FIG. code
The personal identification code is recorded in 30 and the time limit or the method of inputting transaction details can be changed based on the result of reading the personal identification code. For example, in the case of elderly people, the input time with a finger is generally delayed, so it is better to increase the time limit.

〔The invention's effect〕

According to the present invention, since the cash automatic transaction system is a touch panel system and a transaction operation is performed, even a visually impaired person can easily specify transaction contents, input a password, input a transaction amount,
All necessary operations, such as inputting whether the transaction content is OK or cancel input during the transaction, can be performed.

By recording the code for the visually impaired on the magnetic stripe portion of the transaction medium such as a card or passbook, the voice guidance etc. can be automatically displayed even if the user is not visually impaired. Switch for the elderly.

Further, by changing the time limit for inputting on the touch panel or the method of inputting transaction details based on the result of reading the personal identification code on the transaction medium, the operation becomes easy even for elderly people, for example.

[Brief description of the drawings]

1 is a flowchart showing one embodiment of the present invention, FIG. 2 is a block diagram of an automatic teller machine, FIG. 3 is a diagram showing a bankbook, FIG. 4 is a diagram showing a cash card, FIG. ~
FIG. 11 is a diagram showing an embodiment of a method of inputting numbers and the like on a touch panel, FIG. 12 is a diagram showing an embodiment in which a password is input, and FIG. 13 is another embodiment in which a password is input. FIG. 14 is a diagram showing an example, and FIG. 14 is a diagram showing an embodiment in the case of inputting numbers and the like on a touch panel. DESCRIPTION OF SYMBOLS 1 ... Cash automatic transaction device, 2 ... Bank entry / exit, 3 ... Card entrance / exit, 6 ... Cash deposit / withdrawal port, 7 ... Guidance panel, 9 ... Earphone jack (voice guidance), 10 ... Speaker ( Voice guidance).

Claims (1)

(57) [Claims] In an automatic teller machine for conducting a transaction using a transaction medium on which transaction information is recorded, when the presence of a visual impairment is recognized by the transaction medium, the output of the transaction content is sent to a guidance panel based on voice guidance. An automatic cash transaction apparatus, wherein after a predetermined operation is performed and a touch is confirmed on the receiving port, the receiving port is opened and the output is performed.